If someone injures themselves and sues, they will be suing the LLC and not you personally.

Just because she injured herself in your unit does NOT necessarily make you liable.

If not, I would be very concerned about paying an employee to do any site work (let alone demo work where there are 100 different ways they could get injured on the job).I understand the point of your post is to celebrate this milestone in your business and I am happy for you.. it's awesome that you are expanding.

If you add your roommate to your policy and a visitor is injured by your roommate's dog, the liability policy would cover any damages.However, adding your landlord as an additional insured makes it impossible for either of you to make a claim against one another's liability policies for damages.For example, if faulty wiring causes a fire in your apartment, you and your insurance company would normally sue your landlord and their insurance company to cover the loss.

That lawsuit is a claim for fraud, and that’s what fraud typically is...a misunderstanding and someone being “injured” and wanting to hold the other responsible for it.

They were injured on the job and have a pending worker's compensation claim.

The lady who ran into him was seriously injured.

This can wreak havoc on aluminum wires and further intensify the risk of fire.The fix for this repair would be far less than the damage caused by a fire, or any person injured or worse.  

., renter burns house down, renter severely injured or dies on the property from accident, etc.)So we aren't sure if the homeowners policy would cover situations like that since they are related to short-term renters or if we can get STR insurance on a property we don't own. 

Luckily no one was injured, but she is extremely frightened to go back, she is now three months pregnant and extremely stresses.Any suggestion or loop holes where she can exit the agreement?